The Best Cheap Car Insurance in Maine for 2021

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For standard coverage in Maine, the most affordable option is USAA. However, this company only serves veterans, current military personnel and their families. The next cheapest option is GEICO for both state minimum and 50/100/50 liability-only coverage. Minimum coverage may not pay for all of the expenses resulting from an accident. Consider collision and comprehensive coverage for enhanced protection for both you and your vehicle.

Average Cost for Liability Coverage

Combining the results of J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength ratings with industry standards on rating and reviewing insurers, MoneyGeek calculated each insurance provider’s final rating out of 100.

Aside from looking for affordable car insurance in Maine, drivers should consider other relevant factors like claims experience, customer satisfaction and financial strength to find the best car insurance.

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

If you want affordable car insurance in Maine with a reliable company that provides a high level of customer service, you may want to obtain a personalized quote from one or more of the top insurance companies operating in the state. In Maine, the largest car insurance company is Progressive, which garners 14.87% of Maine's market share. The following table showcases Maine’s other biggest insurance companies.

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Considering the premium costs for the typical Maine driver, MoneyGeek calculated the average rates for comprehensive and collision insurance coverage. The typical driver is a 40-year-old male who has a Toyota Camry and a clean driving record. Depending on your location, driving history, age and credit score, your rates may be significantly lower or higher than these Maine averages.

• Average Driver: $607
• DUI: $987
• Speeding Ticket: $800
• Poor Credit Score: $1,048

From 2009-2018, 440 people in Maine were killed in alcohol-related car accidents. 1.5% of Maine residents report driving after drinking too much in the last 30 days. A conviction for driving under the influence in Maine leads to a minimum of 30 days of jail time and a minimum fine of $500. However, a DUI conviction also can negatively impact your car insurance rates, resulting in higher premiums. Check out the following estimates of what drivers in Maine can expect to pay for auto insurance if they receive a DUI.

Average Car Insurance Rates With a DUI

A DUI conviction can continue to negatively impact insurance rates for several years, in addition to the legal fees, fines and other expenses you may incur resulting from a DUI. To find the best rates with a DUI on your record, it’s important to shop around annually to see if specific companies may have more favorable evaluations of drivers with a DUI conviction.

Moving violations such as speeding or distracted driving will negatively impact your car insurance rates. In fact, according to the National Highway Traffic Safety Administration, there were 128 distracted driving accidents in 2018, a key factor auto insurance companies in Maine use as an indicator of accident potential in the state. The following table features estimates of what drivers in Maine can expect to pay for car insurance if they get a speeding or distracted driving ticket.

Average Car Insurance Rates With a Ticket

The effects of a ticket on your car insurance rates may be short-term for a first-time offense or long-term for repeat offenders. To help you get the best rates under these circumstances, it’s important to shop for new rates each year when it’s time to renew your current policy. Checking with different insurance companies could result in a better rate.

Many auto insurance companies take into account a driver’s credit score given it could indicate the likelihood of those drivers filing an insurance claim. Those with good credit scores — a credit score of 700 or higher is generally considered a good credit score – are viewed as less likely to file a claim than those with lower credit scores. According to Experian, the average credit score for Maine residents is 715.

The following estimates reflect what drivers in Maine could pay for auto insurance if they have a poor credit score. Consult with companies directly for a more personalized quote.

Average Car Insurance Rates for Drivers With Bad Credit

Because auto insurance companies do not weigh credit scores equally, your rate quote may be vastly different from insurer to insurer, particularly if you have a low credit score.

According to the National Highway Traffic Safety Administration, in 2017, 21.1% of drivers involved in fatal traffic crashes in Maine were ages 65 or older. To keep these numbers down, seniors living in Maine are subjected to stricter guidelines when it comes to driver’s license renewal.

Unlike younger residents, senior drivers in Maine must renew their driver’s license every four years instead of every six years. Also, according to the Maine Bureau of Motor Vehicles, once they turn age 62, seniors must have a vision test every time they renew their driver’s license. The following estimates reflect what seniors in Maine can expect to pay for auto insurance.

Average Car Insurance Rates for Seniors

Car insurance quotes for seniors vary based on their individual circumstances and the insurer issuing the quote. Therefore, it’s important to shop around each year before renewing your car insurance policy to ensure you receive the lowest rates.

Most parents of teenagers and college students in Maine want to ensure their children are safe on the road without overpaying for car insurance. While having a teenage driver on your policy will drive the price of premiums up, you can reduce the impact on your wallet by investing in a car with a strong crash rating and proven safety features. Apart from those factors, you should also ask about discounts for good students and teens who take defensive driving courses. And it’s important to know your options for college-aged drivers planning on attending an out-of-state school.

Because students and teens are considered high risk due to their lack of driving experience, insurers often charge higher rates for their car insurance coverage. The good news is, according to the National Highway Traffic Safety Administration, the number of teen and student drivers who died in motor vehicle crashes has dropped. In 2016, 1,916 drivers ages 15 to 20 died in motor vehicle crashes. That number dropped 4% in 2017 to 1,830 drivers.

Parents in Maine who are expecting to add a young driver to their auto insurance plan can expect to pay the following estimates.

Average Car Insurance Rates for Students

If you're one of more than 800 active-duty military personnel living in Maine, you'll probably be able to get a discount on your auto insurance. The same holds true for more than 125,000 veterans living in the state. The major carriers, including USAA, Geico and AFI, all offer discounts to military members and veterans. This discount, coupled with a good driving record, can help military families cut costs.

With proof of insurance in hand, you can then take advantage of Maine's "Rapid Renewal" online service to register a vehicle, even if deployed out of state. The state government's insurance website has further details on the minimum requirements and best rates in Maine.

The following table showcases estimates of what active-duty military personnel and veterans can expect to pay in Maine for their car insurance. Always consult with an insurance company directly for a more personalized quote.

Average Rates for Maine service members

25 years$1,317
50 years$938

25 years$1,060
50 years$932

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About the Author

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A long-time freelance writer, Karon Warren has covered finance, insurance, healthcare, business, travel and other topics for such outlets as Lending Tree, Student Loan Hero, Healthgrades, USA Today and others.

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